XIRR Calculator
Last Updated: 8 April 2026
XIRR Calculator
Calculate the actual annualized returns (XIRR) of your Mutual Fund SIP
How it Works & Benefits
Real Returns
XIRR is the only accurate way to calculate returns for periodic investments like SIP.
Point-to-Point
Calculate returns from the first installment date to the current valuation date.
Better than Absolute
Absolute returns don't account for time; XIRR tells you the true annualized performance.
Frequently Asked Questions
Common queries answered for you
XIRR (Extended Internal Rate of Return) is a method used to calculate the rate of return for a series of cash flows occurring at irregular intervals. In mutual funds, it is the actual annualized return on your SIP.
Absolute return only looks at the total profit. XIRR looks at 'Profit' and 'Time'. If you make 10% in 1 year, XIRR is 10%. If you make 10% in 10 years, XIRR is roughly 1%.
Always use XIRR to evaluate the performance of your SIP or any investment where you put in money multiple times.
What is XIRR vs. CAGR: Which one should you use??
CAGR (Compounded Annual Growth Rate) is used for lumpsum investments. XIRR is used for multiple cashflows like SIP. XIRR takes into account the timing of each installment to give you a single unified rate of return.
📊 Practical Example
"If you started a ₹10,000 SIP 3 years ago and your current value is ₹4.2 Lakhs, your absolute return is 16%. Your XIRR, however, might be around 10.5%. XIRR is the rate at which your money actually grew."
⚠️ Common Mistake
Comparing XIRR with FD rates directly. Remember that XIRR is market-linked and can fluctuate, while FD is fixed. Also, XIRR of a short-term SIP (< 1 year) can be very volatile and misleading.